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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the tip run and decluttering. I don't know where you find the energy for the PC but they need good people so well done you.

    I found DKW's book really good on decluttering - particularly listening to it on audible. She helped me make the final push with my house to get it sale ready. I listened while doing to help motivate myself. I think I also used pictures in my head of my ideal holiday cottage scenario to try and get the amount of stuff I retained visibly at least to a holiday cottage level. I'm getting my cleaner to help with the continued thinning out - and in a milestone for me didn't check what she chucked last week.
    Thank you for the positive feedback 😊 I have a meeting tonight, but feel I might be pushing my luck as I have a counselling session after work, get home, eat (Mr KK is cooking tonight thank goodness), out the door for the meeting at the remote location (could be quite a tetchy one tonight as the Chair and the Clerk are resigning) and then back home to prep breakfast, lunch, snacks and shower before bed! I hope I survive!!

    I will look for that book - I’m always a hard copy kinda girl - can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks! 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the decluttering! 
    I love those SS shows where they put all your stuff in a warehouse ! 
    I am away on an unexpected but fun business trip so only have a small suitcase .. amazing how I manage without loads of stuff
    It’s very telling when that happens! 😉😊
    Another thing I have gleaned from the SS shows is that your behaviour around possessions is inevitably learned from your parents. My mother is a full on hoarder ….. so I’m not doing as badly as I think I am when I compare myself to what I grew up with! 

    KK 
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita said:
    ....can’t be doing with listening to things, always want to do something at the same time and then find I have missed whole chunks! 
    I would be the same at home, I would find it too odd to be sat still just listening. I mean, do I keep my eyes open and wandering around, do I just glaze over, do I close them instead, etc etc....

    Instead, I listen to podcasts in the car. I do miss bits sometimes if I'm concentrating on a manoeuvre/concentrating on someone else's bad driving/concentrating on finding my way, but mostly I'm a captive audience and I take a lot in in what would otherwise be unproductive time
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I used my phone and just carried it with me in a pocket while decluttering with her voice nattering away encouraging me to let go of more. Totally relate to inherited traits related to hoarding!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 12 September 2023 at 9:16PM
    Counselling session today after work covered a lot of ground but got bogged down on my aunt, which was kind of inevitable I suppose. 

    My car exhaust then detatched itself just as I was heading home … unfortunately at just the right angle to potentially rip the entire bottom of the car off. 🙄 The AA man patched it up and I got home, but I am under *strict* instructions to take it straight to a garage tomorrow morning!! 
    I have a busy and complicated day tomorrow …. Sigh …
    After getting home and bolting down the food Mr KK had prepped for me, headed out to the parish council meeting. I have expressed an interest in being the Clerk but the new Chairman seems to be very grateful that I have agreed to stay on as vice chair (not really sure why 🤷‍♀️) so I might stick with that. 

    Very tired now.

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the car. Sounds another full on day. Be kind to you along the way.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,644 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Boo to the car  :(
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 12 September 2023 at 9:21PM
    beanielou said:
    Boo to the car  :(

    Sorry about the car. Sounds another full on day. Be kind to you along the way.
    Thanks both x

    @savingholmes, I was quite conscious of how stressy all of this could get …. So I have consciously let myself off things tonight and I am not worrying about what is meant to be happening tomorrow until tomorrow.

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 13,432 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the car repair isn’t too expensive!

    I usually listen to podcasts when driving but haven’t driven any distance for ages so I will need to get used to listening at home. I thought it might be good for doing something crafty as I wouldn’t need to look at the screen. 
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,760 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 13 September 2023 at 6:26PM
    I have a new back and mid box (the back box literally crumbled to pieces as he took it off!) and am £177 lighter - nowhere near as bad as it might have been. 

    I had to wait at the exhaust place until the parts arrived, so they let me use a spare office to conduct an interview I had planned this morning! It went well and I have booked him in for second stage interview next Monday 😊 Got to work just before lunch. 

    Left on time after a busy afternoon and then had a call with a recruiter about another role for me at a site 20 minutes less commute away, easier roads and with the option to work from home two days per week. It would mean a drop in salary though. 

    Absolutely shattered now. I have no great ambitions to do anything much more this evening!

    Kk
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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